Research On Bill Risk Management For X Bank Business

In China,the bill market has been developing nearly 40 years and became an important part of the money market.At the macro level,the financing function of the bill provides strong support for the financing of small and micro enterprises,and promotes the development of the real economy.At the micro level,the healthy development of the bill business is conducive to commercial banks to expand the source of profits,improving the ability of financing.and the structure of assets and liabilities.Under the influence of the deeply adjustment of the industrial structure,the irregularity of the bill business brought huge risks to the market.For further standardizing the development of the bill business,the establishment of the Shanghai Commercial Paper Exchange Corporate Ltd makes the formation of a unified bill trading platform nationwide.Under the environment of strengthening the external supervision of the bill market and the unified construction of the bill market,commercial banks should strengthen the control of risks from within,re-energize the vitality of the bill business,and achieve synergy between risks and benefits.This paper takes the risk management of X Bank's bill business as the research object.On this basis,analyzes the current situation and risk management of X Bank's bill business,discusses the existing problems and proposes countermeasures to further strengthen the risk management of bill business.In the context of the online promotion of the ticket exchange and the further promotion of electronic bills,with reference to domestic and foreign bill risk related research,the bill business risks are summarized as credit risk,operational risk,market risk,compliance risk and legal risk.According to the identification of the bill business,the paper analyzed and expounded the problems in the credit evaluation of business of X bank bills,violate compasses operation,interest rate management,internal control,risk culture construction,construction of early warning system of X Bank bill business,and puts forward some suggestions on X bank bill risk management.This paper provides references for strengthening the risk management of X Bank bill business,and hoping to provide help for more standardized bill business operation.